Eric Horne founded Arc Element Wealth Design to give clients something the big-firm model rarely delivers: direct judgment, careful coordination, and advice shaped around the client - not the system around them.
Before founding Arc Element, Eric worked inside larger broker-dealer environments where platform limitations and compliance structures could get in the way of fully coordinated advice. Arc Element was built to remove those constraints - to create room for clearer thinking, more complete analysis, and advice that isn't filtered through a system that wasn't designed around the client in the first place.
Eric grew up in a modest rural community and saw early how much financial strain can shape a family's options and trajectory. That background, alongside more than two decades in the profession, shaped a practice built around households facing decisions that affect retirement, family, and long-term financial security. The stakes feel real because they are.
The work tends to center on decisions where taxes, timing, and tradeoffs all need to be handled together - before the move is made, not after.
Timing, withdrawals, taxes, and portfolio strategy usually need to be coordinated long before the retirement date arrives. Getting the sequence right matters as much as the strategy itself.
Decisions around income, conversions, equity, and distributions are better made with taxes in the room early. The window to act is often narrower than it looks, and smaller than most people expect.
Risk management, estate coordination, and specialized issues like concentrated stock or pension strategies need to work with the broader wealth plan - not outside it.
Every client relationship is built around the same idea: think clearly, coordinate carefully, and treat taxes, risk, estate planning, and investment management as the connected problems they actually are - not separate conversations that never quite talk to each other.
Bring the decision that matters most and we'll figure out whether the fit is right.